Berrien County property record for 428 Symphony Cir, Saint Joseph, MI 49085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,446 sqft · built 1998 |
| Lot Size | 0.224 acres (9,757 sqft) |
| Owner | Company Name on Record |
| Last Sale | $19,000 (May 1998) |
| Tax Bill | $3,850 (2025) |
| Deeds & Mortgages | Mar 2024 Line of Credit Jun 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-5802-0029-00-9 |
| Primary APN | 18-5802-0029-00-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,446 sqft Living Area |
| 1st Floor Area | 1,446 sqft |
| Basement Area | 1,446 sqft |
| Unfinished Basement | 1,446 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Raised Ranch |
| Lot Area | 9,757 sqft (0.224 acres) |
| Lot Dimensions | 122 ft deep x 80 ft wide |
| Garage Area | 559 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 428 SYMPHONY CIR |
|---|---|
| City | SAINT JOSEPH |
| State | MI |
| Zip | 49085-9133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 - TWO F |
| Legal Description | LOT 29 PARK PLACE NO 3 |
| Legal Subdivision | PARK PLACE SUB |
| Legal Lot Number | 29 |
| Legal Unit | 29 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 1100 |
Source: Berrien County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 428 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Mar 15, 2024 | Deed of Trust, Mortgage · Line of Credit HONOR CU |
| Jun 29, 2018 | Deed of Trust, Mortgage · Line of Credit EDGEWATER BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 12, 1998 · Amount on Record |
| Deed Sale | May 12, 1998 · Amount on Record |
| Prior Sale | Oct 25, 1995 |
| Deed Book / Page | 1886 / 476 |
| Last Transfer Date | May 17, 2024 |
| Transfer Doc | 03426/2328 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 428 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 428 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Document Number | 03422/2977 |
|---|---|
| Date | Mar 15, 2024 |
| Book Page | 3422/2977 |
| Instrument | 2024401867 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 12, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 428 SYMPHONY CIR, SAINT JOSEPH, MI 49085-9133 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 03210/0090 |
|---|---|
| Date | Jun 29, 2018 |
| Book Page | 3210/0090 |
| Name | EDGEWATER BANK |
|---|---|
| Type | Bank |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 15, 2028 |
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | St. Joseph Charter Township |
| Unified School District | St. Joseph Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $184,000 (+3.31%) | $368,000 (+3.31%) | |
| 2025 | $3,850.00 (+3.22%) Homeowner's exemption | $178,100 (+45.27%) | $356,200 (+45.27%) |
| 2024 | $3,730.00 (+10.03%) | ||
| 2023 | $122,600 | $245,200 | |
| 2022 | $3,390.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 10, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOUTHWEST MICHIGAN REGIONAL SANITARY SEW serves 26,780 people · EPA ID MI0003726 |
|---|---|
| Water Source | Purchased surface water from ST JOSEPH |
| Last State Inspection | Feb 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 139 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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